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READ THIS, THEN BEGIN THE STORY. a tow days, 0 mayetery that bad bate OBER! |ORRESTER, a young Chicago engineer, receives @| Now, with the final reckoning only note demanding that he place $10,000 in a hollow tree injone day away, fealized that he " Jasper Lane, an unfrequented suburban road. He deter- ee Parbepay 00 leiveaee the yor mines not to be blackmailed. of the myatary. “He has a talk with Frederick Prentice, a fellow clubman, and]... irvea pictures, based upon’ a from him learns that Prentice has been one among a score of prom-| fanciful Leen of pecultar inent men who have responded to similar notes by paying the sums facts he ; Bing Forrester demanded. Others who have refused have met mysterious deaths, Desbeheed Wee real pore Shore Gas the latest being George Nevins, a leading capitalist, to whose son Te a ore a the igi gla) Forrester’s sister is engaged. shift his thoughts to the seemingiy «~ Prentice strongly advises that Forrester pay the money, but the] more logical and matter of tact de- yong man declares his intention of hunting down the “Friends o1 | 4¥ctions of the detectives, er pl Avel r engages Benjamin F. Green, a private detective, to assist Lebo d pe. | Now We went fa running down the criminals and promises him a tee of $10,000 if | “Sacrr Pe aimeet the cnnte: geen he fs euccesstul, Humphrey, a newspaper reporter, calls upon Forrester and ad- him to apply the poet practice of triangulation to .he of the mystery. Forrester fails to see how the mathematical process may 'be applied, but he agrees with Humphrey that it is best an effort to dispel the chilly, gloomy atmosphere that pervaded the room. He drew a chatr up to the fireplace and sought more cheerful thoughts in recollections of Mary Sturtevant. This that he become a detective on his own account for the sake of the solu- ton of the mystery. Forrester is followed to his home by a mysterious automobile Police follow the car. Next morning he visits the tree and hears from om Negro, Joshua, that it is haunted and the Negro ascribes the did not help. Aside from the girl's attractive personality, Forrester could not but realize that It was the faint clement of mystery that seemed to surround her which had stimulated his curtosity and thrown @ glamour about her such as no other girl of his acquaintance had ever possessed. rits' manifestations to a Negro woman whose husband has dis-| Tho slight avisste of the afternoon appeared and is believed by Joshua to have been killed by the woman. ; had increased toa heavy downpour of Detective Green visits the tree, sets up a flash light, hears noises, Ue dt re pg nie sees queer things, has his apparatus wrecked and is ready to quit the i i ind job, Forrester prevails upon him to remain as his assistant. Forreste® also makes a visit to the tree. He is pleased with the aceldental meeting with Miss Sturtevant, who has a note of intro- duction to his nether, She is the temporary occupant of a neighbor- ing estate and the employer of the Negro, Joshua. The foliowing day Forrester visits the mysterious Negress, Lucy, whose cabin is near the tree, and interviews two city detectives. The woman throws no light on the mystery. The sleuths say they have roared about the house. Forrester was surprised to bear the door bel! been convinced that an Italian ayto gang have done the “Friends of the Poor” murders. ring. He opened the drawer of CHAPTER XI. % the library table and took out a re- volver which had lain there unused for many years, only to discover that til she had taken up his recent meeting Telephone Calle. with Mary Sturtevant, it had been her said Mrs. Forrester at} custom to tease him about Diana, Friday morning, {t was unluaded, and, as he could the necessary cartridges for it, the 66 QON." Ss breakfast Prentice’s daughter. Josephine had a ‘Josephine and I have changed weapon was useless. He reasoned. however, that !ts appearance in his hand might tn itself be # partial pro- tection, so with the revolver ap- parently ready for instant use For- rester went to the front door and opened It. No one was there, and the street lay apparently deserted in the driving rain, It was a strange incident and when Forrester returned to the library he wondered whether It was a wise step for him to remain alone tn the house that night. He was still debating the question when a half hour later the telephone bell rang. Picking up the receiver, Forrester was relieved to recognize the voice of Prentice on the wire. think of no place where he might find professed to believe that a genuinely verious affair was developing, at least on Diana's part. The knowledge that the solution of the case was now practically out of his hands left Forrester with a sensa- tion of loss. Never before had ho felt so thoroughly bereft of an object in life. He rather welcomed, therefore, the information that the household moving would take place on Friday minds. “About what?’ prompted For- réster. “We are moving out to Woodmere late to-day instead of to-morrow morning. The Prentices are giving a dinner dance, the first of the summer neason, Saturday evening. If we moved to-morrow we would be too tired and upset to attend. We do not wert to disappoint the Prentices, instead of Saturday as originally| “I called at your house a little while especially as we understand the affair | planned, ag0,"". ttand was is giver™toMrvduce Miss “STurte- vant."* “Does she know the Prentices?’’ exdlaimed Forrester, “Only through a letter of tntroduc- Mom; I believe,"’ explained Mrs. For- Shortly after luncheon ‘his mother, sister and the servants lett in the big car and Forrester shut himself in the library. Forrester laughed, and hunted up his pipe. “Tho truth is," he sald, aloud, as he tobacco glowed under the match, my nerves are getting ragged." Busily engaged in his amateur de- tective work, and full of a certain confidence in his own ability, For- rester had half expected to solve, ‘n appriscd Dientice, alarmed that the doorbell was not an- swered, After thinking it over I de- cided to phone you."” “There is no one here but myself,’ replied Forrester, The folks moved to Woodmere to-day. I stayed in town because I have a little job to attend to in the morning. That must have been you who rang the bell about a half hour ago. I did answer the bell—and was amazed when | found there was no one at the door." “You took a thundering long time shook himself reater. if"Rowonder?’”’ said Josephine, with a lance at Forrester. Then added, ‘ef couree, Mrs. Prentice does not what a rival Miss Sturtevant Tt one of the ‘Friends of the Poor, asking Forrester as had the others Inqutred, where he proposed to put the money tn the tree. Remembering Cahili's voice, he answered “I had planned to go to the tree about 10.80,"' finally announced For- rester, “That's all right,” sald the voice. “Be sure you make {t 10.30 sharp and no dicks, remember!"’ The wire suddenly became dead as the man at the other end hung up the receiver Forrester hung up his own receiver and turned to Prentice. “What's this about the ‘Friends of the Poor’ exclaimed Prentice “That man said he represented the ‘Friends of the Poor’,"’ replied For- rester. ‘‘He wanted me to give him the exact hour at which I would place the money in the tree." “That's a strange muttered Prentice. “Strange?” querted Forrester. hat they should take the risk of calling you up on the phone,” ex- plained Prentice “Things are getting rather hot for them," declared Forrester. ‘They realize it, and probably do not want to take a chance by staying near the tree for too long a period. The man warned me not to have any detectives proceeding," at hand.” “He did!’ efaculated Prentice, There followed a moment's silence while Prentice relit his cigar. “Tell me, Bob," he requested, at length, “have you made any definite plans about to-morrow night?"* “*Yes, I'm coming to your house for dinner for one thing,” smiled For- know what I ‘ mean," said Prentice, \ seriously. “You have irifled with this ‘Friends of the Poor’ matter long enough What iave you decided to do—are you go- ng to pay the money or fight?”" “Both,” answered Forrester, laugh- ng. He then explained to Prenti the major details of his own and the Jetectives’ plans for Saturday night. “And you mean to say, Bob, rasped Prentice, “that these detec “WHAT!” GASPED GREEN, “WHO'S GOT THE DOPE? NOT THEM].\ves have actual! located the CITY DICKS?” Friends of the Poor?’ '* “Not located them, exactly,’’ re- to answer," said Prentice, “It, expect to put some money {nto acer | urned Forrester. “but they have a seemed to me that I stood a long time} tain tree to-morrow night." ery strong suspicton.”* ip the rain. Tam at the Drake Hotel] “Who are you?” demanded Forres | Prentice smiled as Forrester told now. My car ts handy and I will be| ter. nim, that the suspicion rested upon over tn a couple of minutes."* “That t3 of no tmmediate tmpor |, band of west side Italians. He pro- “All right," replied Forrester, “I| tance," returned the voice. “What !] ested against cher activity by will be watching for you." wanted was to find out the exact tim: | jorrester himself Hanging up the receiver, Forrester|2t which you intended to place the rentice was rupted by the went to one of the front windows and | money in that tree.”’ inging of the telephone bell once took up his promised watch. The car] “J am not giving any tnformation| nore, He paused, with an astonished arrived promptly and Forrester] to strangers,"’ snapped Forrester cok on his fa and Forrester opened the door. Prentice hung up| “I am sorry,'’ returned the voice tr | aughed. his hat and: ¥a@itfeVat iw the hall and/a conciliatory tone, “but I can't give “Unquestionably my busy night,"’ Forrester led the way to the library. | you any particulars at this time. I | wid Forrester, as he picked up the Almost as they were seated the|is !mportant, however, that I know] eceiver. telephone bell rang. at what hour you intend to visit the} This time a woman's voice asked “Looks like you were not going to| ‘ree.”” for the time of Forrester's visit to be so lonely after all,"’ observed Pren- “Better call up the detective bu- ee. It was a friendly vo! and tice. reau," replied Forrester. "Coodby,"'| orrester parried tts questions with Forrester picked up the recetver, and he bung up the recetve kill unti! the woman sald the giving “Hello!'’ said a man's voice, Prentice was very curious to know] of the rmation would be doing her that you, Mr. Forrester? about the caller, His questions had] fave an “Yes,"" replied Forrester. not been answered when there wa Well, then, tf you instst,"* acceded “1 want to get a little information, Iano'her ring. The speaker used a| Forrester, ‘I will take the risk and “I belleve you informed the voice. foveign accent and proclaimed himself {inform you that I expect to visit the tree at 10.30 to-morrow hight." “Thank you,'’ was the reply, an¢ the receiver was hastily hung up. “I don't understand these telephone calls at all,’ said Prentice. ‘What do you make of them, Bob?" “I fancy your first Idea was cor rect,” returned Forrester. ‘It is my opinion that these thick-headed tectives have talked too freely to the newspaper reporters about their new Dian, and that we are simply going to have a convention of the press at the tree to-morrow night." Prentice laughed heartily. ‘Per- haps you are right, Bob,"’ he agreed. “If I had not had such a@ trying ex- perience with these people myself I should have liked to be a spectator. too. As ft 1s, I imagine tt will be safer to keep out of the way. And now,"’ he added, rising, ‘I believe 1 would better go. I want to drive out early in the morning, and you, too, should have a good night's sleep."* Forrester accompanied Prentice to| the door and stood until he saw the car disappear tn the rain and mist Then he returned to the library. The windows still rattled under the lash of the wind and rain, and somewhere far up in the house he heard a door slam, “I don't think I'll do much sleep- ing to-night,"’ thought Forrester. and crossing to the brary table, lifted the lid of his humidor to get a cigar. He paused with a startled exclamation, for there before him lay a small square of brown wrapping paper. On {t he recognized the crude skull and rough hand-printing of the “Friends of the Poor." The words atood out clearly {n the light shed by the lamp on the table. He read: Your efforts to trace us are known. We prefer your death to your money but will overlook your activities (f you cease then at once and raise amount of your payment to $25,000. This oppor tunity ends positively at midnight Saturday FRIENDS OF THE POOR CHAPTER Xil. Saturday. OOPMERE, the summer estate, lay Sheridan Road and the The house, a long, two-storied bui Forrester’s between lake Ing of white stucco, with green sh ters and a green tile emailer than it really was becau the cs that t On roof, looked ruc! many It paved terrace extended the the house lake above Large ornamental g the tewnys stood ut north and south ends, and from these a wide driveway swung in a crescent shape up to the front door. A branch drivo turned off at the soutl side of the house and passing the end of the terrace wound through a mass |< of shrubbery to tl Shortly after Porrester turned Ownership of a Home Is Within the Reach of Those Who Really 815 P. M.— Concert by Deutcher, viollntat. 9.30 P, M.—'‘Jullus Caesar,” by Miss Mona Morgan, Marie Save for It. WGI—MEDFORD HILLSIDE P. M. to 4.30—Yale-Brown footbal! broadcast 260 METRES, ted direct from the New Stadium. - 815 P.M.—Songs by Judith Roth, Brennan and A! Wilson. P. M. to 7—Recitations by Janice of Morristown, N. J. * WIJE-NE WARK, o00 METRES. The Financing of It Is a Problem of Getting 7 A. M.— Before Breakfast Set-Ups,"’ Arthur 1B. Baird. 9.30 A. M.--Musical program. 10.30 A. M.—OMiclal New England and U. 8, Weather Bureau, 1 program for the Exposttion, 1.30 P, Musical program for the /| Boston Radio Exposition, Mechanics’ sn T—Piay by play results of the | Hall, Boston. Lender. te-W. and J. at the Polo}, 2.30 P. M.—Harvard-Florida college football game, from the Stidium, Sol- diers Field, Cambridge, Mass, Weekly crop rsport, compiled HAT? I have « home of my SY bo ene Weekly, oro own? It would be the Fuad r 6.30 P, M.—Boston polfce reporte, late next thing to a miracle.”’ Fe carne Wiselly Stories.” PY) sewn flashes, early sports news. Such was the reply of a young 20 P. a= “Fashion,” by an editor Ry ee Evening program, music! marred man to the proposition of a per's Baza wai builder in Westchester County. ‘This builder spectalizes tn the construction of moderate priced homes which he sells on time payments, He makes it possible for any thrifty person who has demonstrated his or her ability jov, Kid, I. Edwards of New fey will discuss the political situa SUNDAY. 11.00 A, M.—-Entire church service of the South Congregational Church, Bos- ton, ten. § P. M.—Concert by Wether Benson, 10 P, M.—Organ recital, William KE. Zeuch. 4.00 P. M.—Twilight fing M.—Addreas by Untted States Sepator J. E. Frelinghuysen. € P. M.—“Origin and Development ees , muste Bd imated Cartoon,” by J. RK. Bray, 6.80 P. M.—Boston pollee reports. to save some money and has « sport- og RS besa y tend by the Ortgt-| 8.30 P. M.—Radio Church Service. | {ing chance to continue earning @ fair 2 y ere. conducted by Rey. Irani Kingdon, pas 55 to 10 P. M.—Arlington time sig-| io, of Peoples Temple. Address, “The | come, to become his own landlord nals; official weather forecast. Christian Citizen. a J laugh at real estate profiteers. 10.16 P, M.—"Current Topics," by the | 9.49 p. M,—Kvening musicale {netitute for Public Service. net um, The situation as to home building on time payments in Westchester County led to explorations along the same lines in New Jersey and Long SUNDAY, ‘10.30 A, M.—Mustical program, 12.55 A. M.—Standard time signals Arlington. > WESTCHESTER NOTES, Mrs. Willlam H. Mende? and son, Kenneth, of Summit Avenue, Mount | Island, which latter of course include: M. pel services by| Vernon, have returned from California. |the famous home borough o! z Rev. M. Powell of Newark, N. J, Sa-} Mrs, J. E. Brossman and daughter, |). In all three of pide ih Sra efed musical program. Kathryn, after spending « month in|?” great resi- 3.40 P. M.—"Talk on Books.” “4 P, M.—Recital by F. LeRoy Fisher, of Bomerville, N. J, P. M.--Musical program by Elea dential areas there ts ample oppor- tunity for the ambitious homeseeker, with the means at hand of securing a Mount Vernon, have returned to Bing- hamton. Mr. and Mrs. Thomas 8. 3 closed their camp on Lake Pla have Want It and VVill| ie panes bow a Reliable Contractor] banks and trust companies are gia or Real Estate Money| the.r customers, and the instiucion and build their own homes, In ahs of the localities mentioned there are real estate lawyers—lawyers who specialize in lending and securing loans fur building purposes; depend- able contractors who build and sell ; and the corpora- can easily be tions whose claims checked up. GET INFORMATION FROM YOUR JANK. Perhaps tho simplest way to get the information on these firms or ind) viduals is to ask your bank, Th credit departments of the New Yor to place such data in the hands o. which have real estate department can go much further. They can ad- Vise us to the soundness of fuane, pians submitted and recommen. changes in architecture, as well a» forecast the probable type of develop ment in a given section, There is no charge for this service, except wheu special Investigation is necessary. ‘The building of u home is the most SHINGLES important finaucial enterprice which the average individual ever tackles. PICTURE AND FLOOR PLANS Charles O'C, Hennessey, President ot OF A WESTCHESTER COUNTY the Franklin Society for Savings ANU; RESIDENCE COSTING $12,000,| Home buiding, says that the placinn | 3UILT ON DEFERRED PAY-| of a man in his own home is the high | AENTS. est social service. He does not believe the ranks of the Bolshevists and othe: advocates of unrest are at all congest- ed with home owners, ouilder shou'd have on hand about 20! to 25 per cent. of the total cost of youse and land to start with. This ‘The assistance rendered to prospect ive home builders by institutions anu private lenders 1s obviously of great value. The borrower should of course exercise caro in entering into con tructs and unless he deals with trust worthy persons he may find himself Joaded down with obligations he can not meet, or In possession of a house which wil! come apart 4 soon as the paint comes off. The time of year ts near at hanc when many thousands of New York wage-carners and salary workers wil yroportion, of course, varies with the drcumstances and the individual. ‘or instance, right in Brooklyn to- jay the writer knows of an excellent house, well located, which cost 314,000, but which can be had for a lown payment of §1,600, only # shade rver 10 per cent To own the site free and clear sim plifies the operation to a large extent. nut it fs not necessary, as many lend ‘rs are ready to finance both the jouse and land purchase, In Westchester County and Long south gateway and drove to the @ar se. The doors stood wide vpen, and William, the family chduffeur, who was working on the big car, came out to take charge of I ester's roadster, “Um giad to see you arrived safe, sir,’ William greeted Forrester, “The ladies were u bit worried at your stay= ing alone in the town house lust night. Stormed dreadful here, sir.’ “It was a bad night, Willlam,* agreed Forrester. ‘But that's jus® the sort of night to make one sleep soundly. Did that man, Green, are rive?" “A few minutes ago, sir, in his room now. “I'll go up,’ sald Forrester, and ene tering a door at the aide of ware age climbed to the chauffeurs quare ters. Green had been given @ cosy com overlooking the lake and Fore rester found him tn the midst of his unpacking “Gee!” exclatined Green, on aigith Forrester, “I hope that mystery solved all summer, I sure Uke room."" e mystery will be solved toe I believe, Green,” at sped Green, une Not them city dicks ed it.” He's wp Ww . got the do} “You He then related the occurrences of the last two days; Mary Sturtevant, call from his meeting with his visit to Lucy, 1 Cahill and O'Connon, their theories and plans, the mystifye ing telep s, and finally the startling discovery of the notice in hig humidor. “And now Vorrester concluded, “1 want your opinion on all these facts. Forget your natural animoaity to the city detectives, Green, and cote tr clue cold reasor theories in the his chatr et so that he 1 the window eflll, ur which had gone out talked, and smoked while lorrester for a while ene “Look here,’ he said, at length. “You remember my theory and angus ments that these here ‘Friends of the Poor’ lived near that tr But slipped into my 1 sat in th re that hat's happened,” it they tried to it Th guys through a’ win w while you was out to It was all the eve- nin'—only you didn't happen to want a cigar Ull late, that's all. Did you find any oper cked windows?" Not on the t floor. I discovered a second fle ow open after hear ing that e—unaceountably humidor while How do you clyar library the only real thing that maintained Green. “But way mysterious, though you into thinkint Just crawled Mt any seare was dinner there or un fir or wine a doe am." would suit them guys,” bi | from me, ter ye me's nearer this ¢ than them re right on the ground goin’ to k some- n dete guys play their Itailans, They'll near that tree—never ke tt rr uw and ition ¢ ne | Westchester co: ‘ur life (Continued Monday.) ntractor works out the finar scheme Cash payment ++ $2,600 First mort 6,000 nd om 3,500 In ng the carrying charges they should be compared with the rent the prospective owner ts already, year. an interest ean the mortgage should water and In up the other expenses harted for the apartment er, They may be sum 1 as follows ($8,000 er cent, while the se Taxe irane ake rith mar n your dw Int. on Ist Int. on 2d Mig Mtg. @ 5%%) $880.00 @ 8%).. 210.00 800.00 112.00 0 Coa Water (8 tone @ $14 and Insurance $977.00 carrying be added, the uinual payments to wipe out the sec- this must of sum covering sou rse nd mort In the case shown \bove the second mortgage would vrobably run for four or five years ind would be pald off at the rate of $500 each elx months ‘The attractive feature of this plan s that with each payment of prinot val of the second mortgage the ne Interest on that loan ts alsa pe luced and the investor is a elep iearer independence The actual carrying charges betng mty a little more than his normal ent, the buyer has only one financial rroblem—that of paying off hs sed- md mortgage, For the first six nthe he must practieally match hie \t outgo with an equad vount to apply on the second mort- m then on such payments up because of the reduction in aterest By han years 01 stomary r & on for th essary to th four or five taking up of b " J " the nd mortgage the buyer then - 1d andjhome by the investment of rent| receive substantial bonuses, It is Gif |(siand, including Brooklyn and Yar ee Seperate: of Brooklyn, are spendiig a few weeks ut the Ho- | money. ficult to Imagine a more profitable use} Queens, the second mortgage is co: 48 things his own way, as the frat Bubble Books That sing,” by|te! Gramatan before opening their] ‘This matter of ‘means at hand" {s| for such funds than to invest thgn in] ponly used to provide the cred nortgage can be renewed, and the Mayhew... country home in Sagamore Park. Mr. Jymportant. Not that philanthropic] home. needed after the cash payment and nt carrying charges will be leas M.—Adventure stories for older and Me SY, larenee cloned their) puitders are lying in wait to force] ‘The Even World will print tn] ”rst mortga arranged. The see | soctations are almost universally uttl- [apartment and wants to locate near | han the rent formerly paid, end girla; courtesy thy Macmillan | SOOM )r im elurned to ironaville, {upon the unsuspecting uw beautiful! subsequent issues the details of sev-| nd mortgage, In contrast to the frst [ized to supply necessary credit w ole cluby he oan improve his tiv. | ta addition there is (hp Sault) oe * " ° . ace home to be paid for as a set of tur 11 plans for home building on tint ally runs for a Shorter term, | Y sy almost unnumbered lo- fing conditions and take a few strokes} nterest in the property above the Bee cthron noe Reviews.” by Grace) | A students’ college fund of $10,000 te] niture of automobile would be—but payments, Facts will be clinched] paid off by instalments, and ts not're: | saiities. in Westchester, where the Jou bis score : rat mortxave, white if the looutiea 45 P. M.—"What I an Intelligent] the Mount Vernon High School, which! that those who are wide swake und, with brass tacks and the essentiais| aewable nan of moder means and income uppose | you ar Pi pared | a s0 Oe Hoe shies ars kept by Ruth 6. Clark, vocational ser-! will be used fo eye scholurship for, possessed of the right mixture of) will not be left to the {maginations: In New Jersey the second mortgage | an build. If he ts paying around ‘through with a bull: ng operation up, the i presumably, fer funlors. "phe deserving wtudents of tag ot nerve and vision cap find the contact) Sieneraily epeaking, the intending is rare and the building and loan as-/41,000 yearly rent, is tired of @ dark costing $12,000. Here is the way the increase tn value, oe a “ - / h Ep